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@FinStar wrote:
Just keep in mind OP that Capital One reconsiderations are pretty much non-existent these days.
More often than not, unless there's any inaccuracies or any major errors with your CRs, the system decision typically stands.
+1
But, I'd say there is still hope. Just give them some time to review. Either way, at least the denial letter will spell out what exactly about your profile needs improvement so you can go from there.
I will say though that I am honestly shocked that Cap1 didn't instantly approve you for that card. It is exactly what you need with your profile... a rebuilder!
My scores were probably the same as yours when I started my recovery journey and I was approved. My husband's were the same as well and he was also approved for the Cap1 Plat as a rebuilder card.
Anyhow, I wish you the best of luck and please update us back here so we can help others on the same journey!
I was kind of surprised too until realized I'm an AU on the same card under my wife's name, so that's probably what's holding it up (high util currently but being paid down rapidly)
I was just approved for the Discover It secured, and the Bank of America Cash Rewards, so who knows.
Got a missed call/voicemail from Cap1 fraud dept today about my application. Had the same thing happen with my recently approved BofA cash rewards card, so hopefully this means approval once I prove it's me. Will call them tomorrow and report back
Took forever, but I got an e-mail today from Cap1 saying my new card is on the way! Now just need to call them and see what my SL is. I had pretty much written this one off as a denial, guess I was wrong
Glad it turned out to be an approval. Congrats.
Congrats on your Approval !!!!
@Anonymous wrote:Took forever, but I got an e-mail today from Cap1 saying my new card is on the way! Now just need to call them and see what my SL is. I had pretty much written this one off as a denial, guess I was wrong
Awesome! Glad to hear it.
Keep us updated with your SL!
Just called Cap1, SL of $3000 ! This is the biggest SL I've been approved for to date